#rupay card deals

[plutos-one]

Get exclusive Rupay card offers, vouchers, deals and discount on top brands at plutos ONE . Grab it now & enjoy the Deals

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Stay Ahead with RuPay Credit Cards: Convenience Meets Affordability

RuPay is a domestic card payment network in India, launched by the National Payments Corporation of India (NPCI) to provide a secure, efficient, and affordable payment solution for Indian residents. RuPay credit cards function similarly to other international credit cards (like Visa or Mastercard), but with a focus on meeting the specific needs of Indian consumers

Did you know the Rupay tagline? It’s “Be On-The-Go”. And yes, the Rupay credit card is your true on-the-go partner for your transactions. So, with the Rupay credit card, we say that we can pay securely with credit on the go. These payments are indeed versatile and convenient, and they offer elite benefits and security features.

Here are the top eight reasons to choose a Rupay credit card:

Wide Acceptance in India: Rupay credit cards are accepted at a vast number of merchants, ATMs, and online platforms across India, providing easy access for transactions.

Lower Transaction Fees: Rupay cards generally have lower processing fees compared to other international card networks, making them a cost-effective choice for users and merchants.

Domestic Focus: As an Indian card network, Rupay is designed to meet the needs of domestic users, ensuring seamless transactions and tailored benefits within the country.

Enhanced Security: Rupay credit cards come with multiple layers of security features, including an embedded microprocessor chip, making them highly secure for online and offline transactions.

Exclusive Offers and Discounts: Rupay cardholders can enjoy a variety of exclusive deals, discounts, and cashback offers on dining, shopping, travel, and more.

Government Support and Initiatives: Being a part of the “Make in India” initiative, Rupay cards often come with government-backed benefits and schemes, including subsidies and incentives.

Simplified Access and Eligibility: Rupay credit cards are often more accessible to a broader segment of the population, with simplified eligibility criteria and easy application processes.

Rewards and Loyalty Programs: Many Rupay credit cards come with attractive reward points and loyalty programs, offering additional value on every purchase.

If you want to experience ease of credit card payments through UPI? Think no more, Kiwi has the best Rupay Credit Card for new-age Indian consumers.

[starfriday]

*Swiggy announces the 8th edition of the Great Indian Restaurant Festival (GIRF) with unmatched delights and savings*

_With delightful offers across 7000+ restaurants in 34 cities, GIRF 2024 is slated to be bigger and better this year_

_Users can avail Flat 50% off on dining bills; Additional 15% savings with HDFC Bank Credit Cards_

*National, 8th February 2024:* Swiggy, India's leading on-demand convenience platform, has announced the launch of the highly anticipated Great Indian Restaurant Festival (GIRF), starting from 7th February to 31st March 2024. This year, GIRF promises to be the biggest yet, offering unbeatable discounts and offers at over 7000+ participating restaurants in 34 cities across India, making it an unmissable celebration for food lovers nationwide.

To offer food enthusiasts an opportunity to experience the best of restaurants, Swiggy Dineout has partnered with popular restaurants including Punjab Grill, Cafe Delhi Heights, Chili’s, Jamies’ Pizzeria, Roxie, Barbeque Nation, One8 Commune, Irish House, Hard Rock Cafe, among others. Widening the choice for diners, GIRF 2024 is welcoming a host of first-time restaurants, including Biergarten, Antera, Lord of Drinks, Ministry of Beer, and Anardana, giving them a chance to discover new culinary gems and enjoy unique offers. For those keen on exploring luxury dining experiences, restaurants in 5-star properties such as the Marriott group, Leela group, Hyatt, and Holiday Inn are also participating.

In 2023, 2 million diners celebrated Swiggy Dineout's Great Indian Restaurant Festival and saved ₹100 Crore in dining bills while enjoying the best of flavours and restaurants. This year, the offers are more exciting-

Key Delights of GIRF 2024:

Flat 50% Off on Dining Bills: Consumers can indulge in their favorite cuisines without breaking the bank with a flat 50% off on dining bills at participating restaurants.

Additional up to 15% Savings with HDFC Bank Credit Cards: HDFC Bank Credit Card users can enjoy an additional 15% savings on their GIRF transactions, making dining out even more rewarding.

Exclusive Partner Offers: Swiggy’s Great Indian Restaurant Festival brings additional partner offers to enhance the dining experience. Diners can enjoy 20% off up to Rs 50 on 2 Uber Premier rides during the event for convenient travel, and avail 40% off on movie tickets at Cinepolis app/website for post-dining entertainment.

"We are thrilled to unveil the eighth edition of the highly-anticipated Great Indian Restaurant Festival across the country. Be it an avid food connoisseur or someone looking to explore new culinary tastes, GIRF 2024 has something in store for everyone. In what promises to be our grandest celebration yet, we are converging the country's best restaurants, exciting offers, and unbeatable savings. Our goal is to make dining out more accessible and enjoyable for our customers while celebrating the best of what the restaurant industry has to offer," said Swapnil Bajpai, Head at Swiggy Dineout.

GIRF 2024 will span across multiple cities, catering to food lovers in major metropolitan areas including Delhi, Mumbai, Bangalore, Hyderabad, and Chennai, as well as emerging culinary hubs such as Agra, Ahmedabad, Jaipur, and Kochi, among others. In addition to enticing restaurant deals, this event will offer a variety of partner offers in collaboration with Uber, Pernod Ricard, and Cinepolis. Customers can also benefit from additional payment offers from various payment instruments such as RuPay, Simpl, and American Express.

With an unparalleled selection of restaurants, marquee brands, and exciting partner offers, GIRF 2024 promises to be an extraordinary journey of culinary exploration and savings, all set to redefine the dining experience in India.

*****

About Swiggy:

Founded in 2014, Swiggy is India’s leading on-demand convenience platform with a vision to elevate the quality of life for the urban consumer by offering unparalleled convenience. It connects consumers to over 280,000 restaurant partners in hundreds of cities. Its quick commerce grocery service Instamart is present in over 25 cities. Swiggy’s latest addition, Dineout, offers users experiences in high-use categories like dining out and events in over 34 cities across the country. Using innovative technology, Swiggy provides a hassle-free, fast, and reliable delivery experience. Every order delivered by Swiggy’s delivery executives, ensures a host of customer-centric features like lightning-fast delivery, no minimum order value, live order tracking, and 24/7 customer support.

[ahandhiman]

Elevate Your Finances with Axis Bank RuPay Credit Card Perks!

The Axis Bank RuPay Credit Card emerges as a powerful tool to elevate your financial experience, offering a myriad of perks tailored to meet various needs. As a part of Axis Bank's comprehensive credit card portfolio, the RuPay variant stands out with its unique advantages.

Cashback Rewards: The Axis Bank RuPay Credit Card often comes equipped with a rewarding cashback program, allowing users to earn money back on their everyday expenditures. This feature not only provides financial relief but also incentivizes responsible spending.

Exclusive Discounts: Cardholders can unlock exclusive discounts across a spectrum of categories, including shopping, dining, travel, and more. These discounts can significantly contribute to savings, making each transaction a more rewarding experience.

Reward Points Accumulation: The card typically offers a reward points system, enabling users to accumulate points on their purchases. These points can be redeemed for a diverse range of options, from merchandise to travel vouchers, enhancing the overall value of the card.

Specialized Offers: Axis Bank often rolls out specialized offers, including limited-time promotions, partnerships, and seasonal deals. Staying abreast of these offers allows cardholders to maximize benefits and savings.

Contactless Payments: With the Axis Bank RuPay Credit Card, users can experience the convenience and security of contactless payments. This feature not only streamlines transactions but also aligns with the contemporary preference for fast and secure payment methods.

To fully leverage the perks of the Axis Bank RuPay Credit Card, users should regularly check for updated offers, understand the terms and conditions, and align their spending habits with the card's benefits. Elevating your finances with this credit card involves embracing a holistic approach that combines rewards, discounts, and responsible financial management.

[instantpay]

The Convenience of UPI: How It's Reshaping India's Payment Landscape

In recent times, one of the most notable innovations from India that has gained international recognition is the Unified Payments Interface (UPI) system. This digital payment method now accounts for over 40% of all payments in India, with its usage spanning across 30 crore individuals and over five crore merchants.

UPI's presence is ubiquitous in India, from local street vendors to upscale shopping centers. As of 2022, India leads the global chart in digital transactions, holding nearly 46% of the world's share, surpassing Brazil, China, Thailand, and South Korea. UPI transactions have skyrocketed from one million in 2016 to an astounding 10 billion (1,000 crores).

The introduction of UPI has revolutionized the way transactions are conducted in India. Global Data research indicates a significant shift from cash transactions, which dropped from 90% in 2017 to under 60%. The demonetization of Rs 500 and Rs 1000 notes in 2016 was pivotal, as UPI transactions surged from 2.9 million to 72 million within six months. 

By the end of 2017, there was a 900% increase in UPI transactions compared to the previous year, and the growth has been relentless since.UPI's user-friendly design is a critical factor in its widespread adoption. It allows seamless transactions through a Virtual Payment Address (VPA), bypassing the need to exchange sensitive banking information. This simplicity, akin to sending a text message, extends beyond convenience to foster financial inclusion, transparency, and a reduction in the informal economy.

In FY23, the UPI platform processed a total of 8,376 crore transactions aggregating to ₹139-lakh crore, compared with 4,597 crore transactions worth ₹84-lakh crore in FY22. This remarkable growth underscores UPI's ever-increasing significance in the realm of digital payments.

The rise of UPI has not only diminished the reliance on cash but also overshadowed other digital payment methods. For example, the use of debit cards for merchant payments has seen a decline, and the way prepaid wallets are used has been transformed by UPI. As UPI continues to innovate, its influence on India's digital landscape is expected to grow even further.

The success of this digital payment system is rooted not only in its robust infrastructure but also in the behavioral shift it has encouraged, moving people from cash to digital transactions. Building trust and accessibility through innovative features has been crucial. Innovations like voice notifications in payment apps, announcing the amount received instantly via QR code, have helped build trust among small merchants and vendors accustomed to cash dealings.

A significant aspect of UPI's design is the freedom it offers customers to choose their service provider, regardless of their bank. This choice empowers users to select their preferred payment apps for UPI transactions.

Integrating RuPay credit cards with UPI is a groundbreaking development in the digital payment arena. This integration allows cardholders to use their credit lines for UPI transactions, offering the combined benefits of credit cards and UPI.

India's digital payment ecosystem is drawing global interest. Following UPI's domestic success, the National Payments Corporation of India (NPCI) established NIPL (NPCI International Payments Limited) in 2020 to promote UPI internationally. Since then, NIPL and the Reserve Bank of India (RBI) have forged partnerships with financial institutions in over 30 countries to extend UPI-based transactions globally. 

Recent additions include France, UAE, and Sri Lanka, with UPI's entry into France marking a significant step into the European market. Prime Minister Modi has advocated for UPI's expansion into the BRICS group, which has recently welcomed six new members.

UPI is currently the preferred choice for digital payments among end-users in India, thanks to its accessible, secure, quick, seamless, adaptable, and user-friendly attributes. As technology advances and consumer preferences evolve, the UPI payment ecosystem constantly adapts, becoming more accessible, efficient, and secure.

In this ever-changing landscape, let's explore five key trends that are shaping the future of UPI payments:

Global Expansion of UPI Payments

UPI's homegrown solution is rapidly gaining traction on the international stage, poised to broaden its acceptance in overseas markets and boost cross-border transactions. In response to the needs of Indian travelers and NRIs, the Indian Government has expanded UPI services to numerous countries, simplifying transactions and reducing costs for fund transfers and remittances. Countries like France, Bhutan, Nepal, Oman, UAE, Vietnam, Singapore, Cambodia, Hong Kong, Taiwan, the United Kingdom, and Europe are now embracing UPI payments.

India's digital solid payment ecosystem draws global interest, as evidenced by MOUs signed with 13 countries, including Malaysia, Thailand, Philippines, South Korea, and Japan, to integrate UPI into their digital payment systems. Nepal has led the way by becoming the first foreign nation to adopt UPI, enabling diverse payment options for its operations.

The surge in transaction volumes is expected to enhance UPI's global presence further. As UPI becomes accessible to more customers worldwide, the scale of its transactions is set to grow significantly. This success story of India's Make-in-India payment solution is a testament to its global impact, contributing to the Digital India initiative and offering travellers the ease of UPI transactions globally.

RuPay Credit Cards Integrated with UPI

The fusion of RuPay credit cards with UPI represents a groundbreaking move in the digital payment arena, merging the benefits of credit cards and UPI for consumers. With millions in India already using UPI apps for transactions, this integration elevates convenience, allowing users to link their credit cards to UPI, thereby reducing the need to carry physical cards. This initiative is expected to further boost digital payment adoption, especially in areas lacking POS terminals.

Initially implemented for RuPay credit cards, the goal is to extend this feature to other cards, widening the user base and enhancing security by safeguarding card data. This integration allows cardholders to use their credit lines for UPI transactions, promoting cashless transactions and added convenience.

Moreover, this integration reduces risks associated with skimming at POS terminals and losing physical cards, bolstering transaction security. The RBI's approval to link RuPay credit cards with UPI merges the best of both worlds, offering consumers enhanced payment options and security and propelling India towards a more digitised and inclusive economy.

UPI 123Pay for Offline Payments

Last year, a significant milestone in digital payments was the launch of UPI 123Pay, which targets feature phone users and provides access to the digital world. Despite the prevalence of smartphones, a significant number of Indians still rely on feature phones. Recognizing this, the RBI's UPI 2.0 extension introduced UPI 123Pay, independent of phone type or internet connectivity.

UPI 123Pay enables feature phone users to conduct digital transactions through four methods: IVR system, a feature phone-based app, missed calls, or proximity sound payment. Additionally, the service supports multiple regional languages, expanding its reach to non-Hindi and English-speaking regions, particularly in rural areas.

As UPI 123Pay gains popularity, a significant shift towards digital payments in India is anticipated. This innovation marks a pivotal moment in India's digital payment landscape, promoting financial inclusion and empowerment for feature phone users and paving the way for a more digitally-driven economy.

UPI Autopay for Recurring Payments

UPI Autopay revolutionises recurring payments by offering a streamlined solution for authorising and managing automatic debits from bank accounts. Users can set up one-time authentication for recurring payments, linking their bank accounts to charge debits at specified intervals, daily, weekly, monthly, or annually. Once set, the specified amounts are automatically debited on the scheduled dates, offering users a hassle-free payment experience.

This feature caters to recurring payments, including utility bills, online subscriptions, loan EMIs, and insurance premiums, simplifying the payment process and ensuring timely transactions without manual intervention. UPI Autopay enhances user convenience and reliability, significantly adding to the digital payment ecosystem.

UPI One World for International Travellers

The RBI's UPI One World initiative opens new avenues for international travellers in India. They can now load PPI wallets linked to UPI, facilitating smooth payments at all QR-based UPI-accepting merchant outlets. Initially available to tourists from G-20 countries, these wallets will be accessible at select Indian airports. The RBI has authorised two banks and two non-bank PPI issuers to offer this facility to foreign nationals outside airports.

The Beginning for UPI

Unified Payments Interface (UPI), a groundbreaking real-time payment system, has transformed the landscape of financial transactions in India. Launched in April 2016 by the National Payments Corporation of India (NPCI) under the auspices of the Reserve Bank of India (RBI), UPI emerged as a pivotal element of the Indian government's 2015 Digital India initiative.  This initiative aimed to evolve India into a digitally empowered society and knowledge-based economy, with a significant focus on fostering digital payments and minimising cash-based transactions. UPI was conceived and developed as an integral part of this vision, offering a secure and user-friendly platform for digital financial transactions.

The surge in smartphone penetration in India played a vital role in UPI's inception. With the increasing accessibility to affordable smartphones and mobile data, there was a notable increase in mobile internet users nationwide. This surge provided the perfect opportunity to utilize mobile phones as a conduit for digital financial transactions, paving the way for the creation of UPI.

Before the advent of UPI, India's digital payment ecosystem needed to be more cohesive, characterized by many mobile wallets, various net banking methods, and numerous proprietary payment applications; this fragmentation posed significant challenges for seamless money transfers across different platforms. UPI was introduced as a unifying solution to streamline the digital payment landscape, offering a singular platform that could integrate multiple banks and payment service providers.

UPI aimed to simplify the transaction process by introducing a uniform interface accessible across different banks and payment applications. It effectively eliminated the need to input extensive bank account details for each transaction and streamlined the authentication process using unique identifiers such as Virtual Payment Addresses (VPAs) and Mobile Personal Identification Numbers (MPINs).

A key feature of UPI was its interoperability, allowing users to link several bank accounts to a single UPI ID. This feature ensured that users could send and receive funds across any UPI-compatible app or service, irrespective of their bank affiliations. This level of interoperability promoted financial inclusion and made digital payments more accessible to a broader segment of the population.

The establishment and success of UPI were significantly supported by the Reserve Bank of India and the National Payments Corporation of India. These regulatory bodies provided the guidance, infrastructure, and security framework necessary for UPI's widespread adoption and success. They also played a critical role in formulating rules and guidelines to secure user transactions and safeguard against potential fraud, ensuring a safe and reliable digital payment environment.

How UPI is a Game-Changer for India's Digital Payment Landscape?

Unified Payments Interface, commonly known as UPI, has been a transformative force in India's digital payment landscape, offering unparalleled ease and transaction efficiency. Here's a breakdown of why UPI stands out as a revolutionary tool:

Rapid Transactions: UPI enables swift and seamless money transfers between various bank accounts. Whether reimbursing a friend, settling a bill, or completing a purchase, UPI transactions are executed promptly, ensuring no time is lost.

Intuitive User Experience: UPI has simplified the payment process, eliminating the need for lengthy banking details or complex procedures. Users can set up a Virtual Payment Address (VPA), a unique identifier linked to their bank account, making it incredibly easy to send or receive money without remembering or disclosing bank account numbers or IFSC codes.

Accessibility Around the Clock: Operating 24/7, UPI allows transactions at any hour, breaking free from the constraints of traditional banking hours. This round-the-clock availability means payments can be made over weekends and holidays, offering convenience whenever needed.

Versatile Applications: UPI's utility extends beyond personal money transfers. It's an effective tool for bill payments, online shopping, and in-store purchases. With the widespread acceptance of UPI payments via QR codes, transactions are convenient and contactless.

Flexibility Across Platforms: UPI's design ensures compatibility with various apps and banks. Users can link their bank accounts to any UPI-supported app, allowing them to choose and switch between apps without hassle, based on personal preference, while maintaining access to their funds.

Promoting Digital Access: UPI has significantly expanded the reach of banking and digital payment services to a broader audience, including those previously underserved by these facilities. Compatible with smartphones and basic feature phones, UPI ensures inclusive participation in the digital economy, irrespective of users' digital literacy levels.

Innovative Features and Services: The advent of UPI has spurred the creation of novel features and services in the digital payment sector. From splitting bills among friends to enjoying cashback on transactions and even exploring options like loans and investments through UPI-based platforms, the system continues to evolve, enhancing user convenience and offering many choices.

What’s Driving UPI Success?

The story of UPI's success is fascinating and rooted in its ever-expanding versatility and reach. As UPI began to weave its way into the fabric of rural India, its growth wasn't just about broader adoption. It was also about how UPI started embracing a variety of account types. We're talking about everything from savings and current accounts to wallets, prepaid cards, and now even RuPay Credit Card accounts and credit lines hosted by banks.

Interestingly, this expansion has opened up many new use cases for UPI. It's not just about sending money to friends or family anymore. UPI is becoming a go-to for all sorts of transactions, and the best part is that it's mostly free for the end customer for most of these transactions. That's a huge draw. Who would prefer a more convenient, cost-effective way to handle their finances?

Let's take a little trip down memory lane. Remember when digital wallets were all the rage? They were everywhere, but then came more stringent regulations. Things like know-your-customer norms, top-ups, and payment restrictions started to tighten around these wallets. That was a turning point. Many payment apps shifted their focus to UPI as their preferred payment method. It was a smart move, considering the ease and flexibility UPI offered.

Now, think about the big players in the game. These apps have massive user bases, and they've been instrumental in propelling UPI's growth. It's like they caught this wave of opportunity with UPI, and they've been riding it ever since. Their expansion and the growing trust in their services have played a crucial role in making UPI what it is today – a cornerstone of digital payments in India.

Why is Everyone Using UPI for Most of the Transactions?

Have you noticed how everyone with a bank account talks about UPI? If you're still wondering what all the fuss is about, let us break it down for you.

First off, UPI payments are swift. We're talking about completing transactions in just a few seconds. It's like sending a text message – quick and straightforward. And the best part? Almost every bank supports UPI transactions through their mobile apps. It's like having a bank in your pocket.

Let's talk about safety because that's crucial. UPI payments are super secure. To make a payment, you need the SIM card linked to your account in your phone, and you have to enter your secret MPIN each time. It's like having a personal security guard for your transactions.

But here's a cool feature – you can request money from someone else with UPI. Think about how handy that is when splitting bills or getting reimbursed. You don't usually get it with other payment methods like IMPS or NEFT.

And there's more. These mobile payment apps are about more than just transferring money. They're like your personal finance assistant. You can set up reminders for all your bill payments and pay them off with just a click. No more late fees or forgotten bills!

Have you ever run into trouble with your account or noticed something fishy? With UPI apps, you can easily file a complaint from the app. It's like having a direct line to the bank's helpdesk.

Another great thing? UPI doesn't sleep. It's available 24/7. So, UPI is always at your service, whether it's a late-night online shopping spree or an early morning bill payment.

And the cherry on top – it's completely free! There are no hidden charges or fees for your transactions. It's like having a free financial tool that's fast, safe, and convenient.

So, that's the lowdown on why UPI is all the rage right now. It's not just a payment method; it's a lifestyle change, making financial transactions more accessible, safer, and more convenient than ever before.

The Origin Story of Mobile Banking: Tracing the Journey from Traditional Banking to on-the-go Financial Management

You know, the journey of mobile banking is quite a story. It all started back in 2002 with something as simple as SMS banking. That was our first natural step away from cash transactions and into the digital finance world. Back then, mobile banking was pretty basic – you could check your account balance or make simple transfers, but it was groundbreaking.

Fast forward to 2010, and the landscape changed dramatically with the rise of smartphones. Suddenly, mobile banking wasn't just a handy tool but an integral part of our daily lives. With the advent of Android and iOS operating systems, downloading banking apps became a breeze. These apps opened up a whole new world of online financial transactions right from the palm of our hand.

But, as with any technology, mobile banking had its share of challenges. For starters, in the early days, only a few high-end mobile devices supported these banking apps. It was something only some could access.

Then there were the extra charges. Banks would often charge for their mobile banking services, meaning you might incur a fee every time you use the app. It was different from the free-for-all we're used to today.

Security was another big concern. The risk of fraud and scams was higher. You could easily fall prey to some clever scammer if you weren't careful. And if you lost your phone? Well, that was a nightmare. It was like handing over your wallet and banking details to whoever found or stole it.

And let's remember the limitations. There was a cap on how much money you could transfer through mobile banking and sometimes even restrictions on when you could make transactions. It wasn't as flexible as it is now.

So, while mobile banking has come a long way since its SMS days, it's been a journey with its fair share of bumps and learning curves. But look at where we are now – it's hard to imagine life without it!

Unveiling the Magic of UPI: Is This the New Era of Mobile Banking?

The way we handle money has been evolving constantly, right? Think about how we moved from SMS banking to mobile banking around 2010. It was a giant leap forward. But then, as technology kept advancing and we all wanted more from our banking services, something even better came. Enter UPI in 2016, stepping up as the new champ in the digital payment arena.

Let me throw some numbers at you to paint the picture. Between February 2021 and January 2022, the NPCI recorded a staggering Rs. 75.6 lakh crore in annual transactions through UPI. And in that same period, transactions worth Rs. 4,106 crore were made. These aren't just numbers; they're a testament to UPI's growing popularity and trust. It's not hard to see why.

The thing about UPI is there are other ways to transfer money. It's about the simplicity and speed it brings to the table. And when you pair it with popular apps, it's like having a magic wand for your finances. You're sitting at home, sipping coffee, and with just a few taps on your favourite app, you can send money to anyone in no time. It's that easy and quick. It's like having a financial superpower in your pocket!

Transforming the Terrain of Digital Transactions

The journey of UPI's success in India is quite a tale, and now it's stepping onto the global stage, especially in places with a strong Indian connection. Let's chat about this in two parts.

Firstly, there's this exciting movement where countries with significant Indian populations, like Singapore, the UAE, Mauritius, Oman, and Indonesia, are opening up to UPI. They're either setting up or planning systems to accept UPI payments. This is huge for the Indian diaspora and travelers. Imagine the ease and familiarity of using UPI while abroad. It's not just about the convenience; it's also about the economic boost these countries could see from Indian travelers and residents using UPI.

Now, the second part is equally fascinating. Some countries are looking at UPI as a payment method and a model to develop their own instant payment systems. Take Nepal and Bhutan, for instance. They're collaborating with India to roll out UPI-inspired payment systems. It's like UPI is becoming a blueprint for modernizing payments globally.

Of course, different countries have their own success stories with instant payments. The world of digital payments is diverse, and there's room for many systems to coexist and work together. But UPI's success story is pretty compelling for countries still exploring real-time payment solutions. It's scalable, it's proven, and it's adaptable.

India and the NPCI aren't just sitting back and watching. They're reaching out, sharing insights, and helping shape the future of digital payments in other countries. It's a proactive move that could change the game for global digital transactions.

Unveiling the Future: Can UPI Revolutionise 90% of Retail Transactions in the Next Half-Decade?

The story of UPI's rise to potentially dominate 90% of retail transactions in just five years is quite something. It's like watching a new star rise in the digital payment sky, and there are several reasons why it's shining so brightly.

First up, the government's role has been pivotal. With initiatives aimed at creating a cashless economy, like demonetization and various incentives for digital transactions, there's been a real push for businesses and individuals to hop on the UPI bandwagon.

But what makes UPI stand out is its user experience. It's incredibly user-friendly. Imagine transferring money or making a payment with just a few taps on your phone. This simplicity draws millions, even from rural areas where smartphones are becoming more common.

Then there's the widespread acceptance of UPI. It's integrated into many payment gateways, e-commerce platforms, and merchant apps, making it easy for businesses to jump in. This broad acceptance is a big part of its growing popularity.

And let's talk about convenience and interoperability. With UPI, you can link multiple bank accounts to just one UPI ID. No need for a bunch of different banking apps. This kind of inclusivity and ease of use is a game-changer, especially across India.

Speed is another factor. UPI transactions are instant and real-time. In a world where we're used to everything happening at the click of a button, this immediacy is a massive draw for consumers and businesses.

Security is vital, too. UPI's two-factor authentication adds a layer of protection that gives users peace of mind. And with the addition of biometric authentication, like fingerprints or facial recognition, trust in the platform has soared.

Remember the incentives. Cashback offers and rewards for using UPI-based apps have been a clever way to encourage people to switch from cash to digital payments.

Then, there's the role UPI plays in financial inclusion. It's about more than just the urban tech-savvy user. UPI is bringing people who might have different bank accounts into the fold of digital transactions through mobile-based apps.

The surge in smartphone ownership, especially in rural India, has also been a catalyst. Affordable smartphones have brought UPI within reach of a much larger population segment.

Lastly, UPI's growing global footprint, thanks to collaborations with countries like Bhutan, Oman, the UAE, Southeast Asia, the UK, and Nepal, sets the stage for an international presence.

In a nutshell, UPI's journey is a mix of government support, user-friendly technology, security, incentives, and global outreach. It's like a perfect storm for a digital payment revolution.

Future of Unified Payment Interface

When we talk about UPI, it's like discussing a revolution in the making. The future of Unified Payments Interface (UPI) is not just bright; it's dazzling. Let's walk through what's on the horizon for UPI and how it's reshaping India's digital payment landscape.

First, UPI's growth is something out of a tech fairy tale. Since its launch, it's been on this incredible upward trajectory, and it doesn't look like it's slowing down anytime soon. More and more people and businesses are going digital, and UPI is becoming the go-to way to transact for an ever-growing audience.

Then there's this whole movement of UPI getting cozy with offline merchants. You've seen those QR codes at stores, right? That's just the beginning. Even the smallest shops are starting to see UPI as this super convenient and cost-effective way to handle payments.

Security is a big deal, especially with digital payments. UPI is gearing up to beef up its security game. We're talking about advanced authentication, top-notch encryption – the works. It's all about keeping those transactions safe and sound.

Now, let's get a bit techy. UPI and new technologies – it's like a match made in heaven. Imagine UPI transactions getting even smoother with AI, voice assistants, and biometric authentication. It's not just about making payments; it's about making them more intelligent and secure.

Going global is also on UPI's agenda. While it's been a game-changer domestically, there's a whole world out there. Collaborating with international payment networks embracing global standards – UPI could soon make sending money across borders as easy as sending a text.

Fintech companies have been UPI's buddies from the start. This partnership will only strengthen, leading to more astounding payment solutions, nifty value-added services, and innovative financial products.

Of course, with great power comes great responsibility. The regulatory landscape is evolving to keep up with all these digital payment innovations. We're talking consumer protection, data privacy, anti-fraud measures – all that good stuff to keep the digital payment world spinning safely.

From its humble beginnings seven years ago, UPI's journey has been nothing short of extraordinary. It's changed how we, the consumers, the merchants, and the banking world, think about and handle money. With smartphones becoming more common even in rural areas, UPI's reach is expanding.

NPCI, the brains behind UPI, has shown severe entrepreneurial chops in making this happen. It's not just a success story; it's a testament to innovation and collaboration. UPI isn't just a feather in the cap of the current administration; it's a shining jewel in India's digital crown.

[taazaofferss]

Rupay Credit Card to Bank Transfer Without Charges

Rupay Credit Card to Bank Transfer Without Charges ☘️ {Get the Latest Offers Loot and Deals by Joining Our @Taazaoffers Telegram Channel For Free, Join Now and Get the Latest Update Every Offer} ☘️ Your Rupay Credit Card Balance Transfer to your bank account for without charges. just a new feature introducing the Rupay credit card to link UPI bank account. Then Transfer to your bank…

[varunnarulablogz]

Axis Bank KWIK RuPay Credit Card: Your Ticket to Convenient and Rewarding Spending!

In today's fast-paced world, credit cards have become an indispensable financial tool, offering convenience, security, and rewarding benefits. Among the myriad of credit cards available, the Axis Bank KWIK RuPay Credit Card stands out as a powerful option that caters to the diverse needs of its users. In this blog, we'll explore the key features and benefits of the Axis Bank KWIK RuPay Credit Card, making a strong case for why it's the ultimate companion for modern-day consumers.

1. A Perfect Blend of Axis Bank and RuPay: The Axis Bank KWIK RuPay Credit Card is the result of a successful partnership between Axis Bank, one of India's leading private sector banks, and RuPay, the country's very own payment network. This partnership ensures that users can enjoy the benefits of both entities, combining Axis Bank's reliable banking services and RuPay's extensive acceptance across various merchants and e-commerce platforms.

2. Seamless Contactless Technology: The Axis Bank KWIK RuPay Credit Card incorporates cutting-edge contactless technology, enabling users to make swift and secure payments at point-of-sale terminals. With just a tap, cardholders can complete their transactions without the need for swiping or inserting the card, thereby saving time and adding an extra layer of security.

3. Enhanced Security Measures: Security is a top priority for Axis Bank, and the KWIK RuPay Credit Card is no exception. Equipped with advanced security features like EMV chip technology and PIN-based authentication, users can confidently use their cards without worrying about unauthorized access or fraudulent activities.

4. Generous Rewards and Offers: One of the highlights of the Axis Bank KWIK RuPay Credit Card is the array of rewards and offers it provides. Cardholders can earn reward points on every transaction, which can be redeemed for exciting gifts, vouchers, or cashback. Additionally, the card offers exclusive discounts and deals on dining, shopping, travel, and entertainment, making every spending opportunity a delightful one.

5. Personalized Credit Limits: Axis Bank understands that each customer's financial needs and capabilities are unique. With the KWIK RuPay Credit Card, users have the flexibility to choose their desired credit limit, empowering them to manage their expenses efficiently and responsibly.

6. Easily Accessible Mobile App: To provide a seamless user experience, Axis Bank offers a user-friendly mobile app that allows cardholders to track their transactions, view reward points, and pay bills effortlessly. The app's interface is intuitive, making it convenient even for those new to credit cards.

7. Zero Lost Card Liability: Losing a credit card can be a worrisome experience. However, with the Axis Bank KWIK RuPay Credit Card, customers can enjoy peace of mind as it comes with a zero lost card liability feature. In case of any unauthorized transactions after reporting the loss, the cardholder is protected from any financial liabilities.

8. Easy EMI Options: The KWIK RuPay Credit Card also offers users the convenience of converting high-value transactions into easy EMIs (Equated Monthly Installments). This feature enables customers to manage their expenses effectively and avoid the burden of lump-sum payments.

9. Fuel Surcharge Waiver: For those who frequently commute by private vehicles, the Axis Bank KWIK RuPay Credit Card brings an added advantage of fuel surcharge waivers. Cardholders can save on fuel expenses by availing of this benefit while refilling their tanks at select fuel stations.

10. Dedicated Customer Support: Axis Bank takes customer satisfaction seriously, and its dedicated customer support team is always ready to assist cardholders with any queries or concerns related to the KWIK RuPay Credit Card. Whether it's clarifying reward point redemption or addressing transaction-related issues, users can rely on prompt and reliable assistance.

In conclusion, the Axis Bank KWIK RuPay Credit Card is a feature-rich financial instrument that offers a seamless, secure, and rewarding experience for cardholders. With its powerful combination of Axis Bank's banking expertise and RuPay's extensive acceptance network, this credit card is a must-have for individuals seeking convenience, flexibility, and attractive rewards. So why wait? Get your Axis Bank KWIK RuPay Credit Card today and unlock a world of hassle-free spending and abundant benefits!

[corpkart]

Lenovo Laptop Biggest Sale June 2023

Corpkart has announced the start of its "Annual Sale," during which it claims you can save up to 65% on several devices and laptops from brands like Yoga, Legion, IdeaPad, and ThinkPad X1.

From Thursday, June 1 until Thursday, June 22, 2023, Corpkart will be having a three-week deal.

Corpkart Annual Sale

Save up to 65% off select computers and electronics

The Corpkart website will be the only place to find all the bargains. The things on sale will be reduced every Monday and will only be available while supplies last, thus they are regarded as limited-time weekly specials.

The 'Lenovo Laptop Biggest' sale, which begins today and runs through June 21, 2023, has been promoted by Corpkart as offering amazing prices and offers on several popular products. The discounts are available on a variety of electrical devices, including tablets, laptops, and more.

Lenovo Laptop sale

Lenovo ThinkPad L14 has a 14-inch display and a 12th-generation Intel Core i5 processor. It contains a 45 WH battery that, according to the manufacturer, provides up to 7 hours of battery backup. It is priced at Rs. 75000 for the sale.

Lenovo ThinkPad P14s: This laptop has a 14-inch display, Windows 11 Pro, and an Intel Core i7 processor. It contains a 45 WH battery that, according to the manufacturer, provides up to 7 hours of battery backup. It is priced at Rs. 90000 for the sale.

Lenovo ThinkPad P14s: This laptop has a 14-inch display and an AMD Ryzen 5 Gen 2 Pro processor. It contains a 45 WH battery that, according to the manufacturer, provides up to 7 hours of battery backup. It is priced at Rs. 55000 for the sale.

The Lenovo V14 has a 14-inch display and a Gen 2 Intel Core i3 processor. It contains a 40WH battery that, according to the manufacturer, provides up to 7 hours of battery backup. It is offered for sale for Rs. 37,000.

 Lenovo Laptop Biggest  Sale

The Best Time to Get a Great Deal on Your Favorite Computers and Laptops.

Like most people, you probably like finding a good price. And what could be better than saving a tonne of money on your preferred goods? The best time to stock up on everything you love is during clearance sales.

On products that are being discontinued or that did not do well the previous season, retailers frequently offer steep discounts.

You can get fantastic discounts on laptops, PCs, parts, and other items when businesses put their merchandise on clearance. Check out our collection of computer accessory clearance sales now to start saving and do not miss out!

 Conclusion

The ‘Lenovo Laptop Biggest’ sale is now live for all users, offering discounts across a wide range of products. The company also offers no-cost EMI options, exchange offers, and more on several devices during the sale. In addition to the discounts offered by Corpkart, you can avail of an additional 10% instant discount by using a CITI, RBL Bank, Rupay debit or credit card, or One Card credit card.

[irctcofficial]

#Rewards, #valueback #benefits & more on every tap! Apply for SBI #IRCTC #Rupay card & unlock awesome deals. Apply today on www.irctc.co.in

#AmritMahotsav #AzadiKiRail

[omcqin]

Current affairs of 14th Jan 2023

Practice daily Current affairs and give quiz for assess your knowledge. Today you can study current affairs of 14th Jan 2023 and this is suitable for almost all type of government competitive exams. Quiz of Jan 2023 Current Affairs

Daily Current affairs for 14th Jan 2023

Q1: Ashleigh Gardner has won the ICC Women’s Player of the Month award for December 2022. From which of the following countries does he belong? A. England B. New Zealand C. Australia D. South Africa Answer(c) Australia Q2: The Union Cabinet approved a ______________incentive scheme to promote Rupay debit card and low-value BHIM-UPI transactions (person-to-merchant) in FY23. A. Rs. 1,600-crore B. Rs. 2,600-crore C. Rs. 3,600-crore D. Rs. 4,600-crore Answer(b) Rs. 2,600-crore Q3: Union Minister Shri Sarbananda Sonowal inaugurated the School of Logistics, Waterways and Communication in which city of India? A. Chennai B. Panaji C. Guwahati D. Agartala Answer(d) Agartala Q4: Who received the ICC Men’s Player of the Month award for December? A. Harry Brook B. Sikandar Raza C. Mohammad Rizwan D. Virat Kohli Answer(a) Harry Brook Q5: Who has officially launched the book titled “Braving A Viral Storm: India’s Covid-19 Vaccine Story” in New Delhi? A. Bhupender Yadav B. Mansukh Mandaviya C. Mahendra Nath Pandey D. Parshottam Rupala Answer(b) Mansukh Mandaviya Q6: Former India cricket team captain _______ and drone market Garuda Aerospace have launched a a surveillance drone named ‘Droni.’ A. Rahul Dravid B. VVS Laxman C. Sachin Tendular D. Mahendra Singh Dhoni Answer(d) Mahendra Singh Dhoni Q7: Home Minister Amit Shah has released a book titled “Revolutionaries- The Other Story of How India Won Its Freedom” at a function in New Delhi. Who author the book? A. Saurabh Sharma B. Sanjeev Sanyal C. Prashant Singh D. Aman Gupta Answer(b) Sanjeev Sanyal Q8: Which bank has launched e-Bank Guarantee (e-BG) facility in association with National e-Governance Services Limited (NeSL)? A. SBI B. ICICI Bank C. Canara Bank D. Bank of Baroda Answer(a) SBI Q9: IT giant Cognizant has announced ________ as its new Chief Executive Officer, replacing the outgoing Brian Humphries, effective immediately. A. Sanjeev Kumar B. Sumit Kumar C. Ravi Kumar D. Piyush Kumar Answer(c) Ravi Kumar Q10: India’s retail inflation eased to ________ per cent in December on an annual basis as against 5.88 per cent in November, 2022. A. 5.72 B. 6.72 C. 7.72 D. 8.72 Answer(a) 5.72 Q11: Which state tourism board signs MoUs with chapters of eight countries of Global Organization of People of Indian Origin (GOPIO)? A. Punjab B. Rajasthan C. Gujarat D. Madhya Pradesh Answer(d) Madhya Pradesh Q12: Who takes charge as first woman Chief Secretary of Telangana? A. Vaishali Panday B. Shilky Mittal C. Maitree Sharma D. Santhi Kumari Answer(d) Santhi Kumari Q13: Grand cultural program ‘Sur Sarita-Symphony of Ganga’ organised in _______. A. Delhi B. Varanasi C. Surat D. Mumbai Answer(b) Varanasi Q14: Alibaba sells which company stake worth $125 million via block deal recently? A. Amazon B. Flipkart C. Paytm D. Paypal Answer(c) Paytm Q15: Which of the following country creates new ministry for indigenous peoples? A. Keniya B. South Africa C. South Sudan D. Brazil Answer(d) Brazil Q16: What is the name of the short-range ballistic missile which was recently test-launched by India? A. Prithvi II B. Agni V C. Vikas II D. Bhim I Answer Prithvi II Q17: Which song from an Indian film won Golden Globe award 2023 for Best Original Song? A. Kalakatha B. Srivalli C. Naatu Naatu D. Marenge Toh Wahin Jaakar Answer Naatu Naatu Q18: What is the name of the international agreement signed in 1987 to ban Chlorofluorocarbons (CFCs)? A. Paris Agreement B. Montreal Protocol C. Chicago Agreement D. Kyoto Protocol Answer Montreal Protocol Q19: As per the World Bank’s Global Economic Prospects Report, what is the expected economic growth of India in 2023-24? A. 5.5% B. 6.6% C. 7.0% D. 7.7% Answer 6.6% Q20: ‘Year of Enterprises’ Project is a flagship scheme of which Indian state? A. Haryana B. Odisha C. West Bengal D. Kerala Answer Kerala Q21: In January 2023, which state entered the Guinness Book of World Records by taking 4,500 penalty kicks in 12 hours? A. Kerala B. Gujarat C. Punjab D. Karnataka Answer Kerala Q22: Which of the following has notified comprehensive regulatory standards for Basmati Rice for the first time in January 2023? A. FCI B. BIS C. NABARD D. FSSAI Answer FSSAI Q23: Central Mine Planning and Design Institute Limited (CMPDIL) invented a “System and Method for Controlling Generation and Movement of Fugitive Dust” in January 2023. Where is CMPDIL located? A. Ranchi B. Kolkata C. Jaipur D. Agra Answer Ranchi Q24: Sharad Yadav passed away at the age of 75 on 12 January 2023. He was related to which of the following fields? A. Acting B. Politics C. Law D. Cricket Answer Politics Q25: Constantinr passed away in January 2023. He was the former King of which country? A. France B. Greece C. Austria D. Cyprus Answer Greece

Also practice other's day current affairs of Jan 23

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[plutos-one]

Explore best Rupay card offers, vouchers promo code, coupon code at plutos ONE on your favourite brands like burger king, Myntra, Ajio and many more

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Amazon Great Indian Festival Happiness Upgrade Days: Dussehra Delights Deals on Smartphones, TVs

Amazon Great Indian Festival Happiness Upgrade Days: Dussehra Delights Deals on Smartphones, TVs

Amazon Great Indian Festival 2022 sale is currently live in the country with new Dussehra Delights deals. The festive season sale is offering huge discounts on a variety of smartphones and TVs. Amazon has also partnered with multiple financial institutions to offer an instant discount of up to Rs. 6,000 on purchases made using Citibank, One Card, RBL Bank, and RuPay cards. Besides this, the…

[newzzwired]

Amazon Great Indian Festival Happiness Upgrade Days: Dussehra Delights Deals on Smartphones, TVs

Amazon Great Indian Festival Happiness Upgrade Days: Dussehra Delights Deals on Smartphones, TVs

Amazon Great Indian Festival 2022 sale is currently live in the country with new Dussehra Delights deals. The festive season sale is offering huge discounts on a variety of smartphones and TVs. Amazon has also partnered with multiple financial institutions to offer an instant discount of up to Rs. 6,000 on purchases made using Citibank, One Card, RBL Bank, and RuPay cards. Besides this, the…

[paynxt360]

Samsung forays into finance amid the greater push by the government to drive credit card adoption in India

In India, the credit card penetration rate is relatively low compared to other markets such as the United States, the United Kingdom, and China. Consumers are inclined towards the usage of debit cards as compared to credit cards. According to a report from the Reserve Bank of India (RBI), there are 939 million debit cards in circulation compared to about 78 million credit cards, as of August 2022.

Even though credit card penetration remains relatively low, the sector is one of the most crowded with over 50 firms fighting for market share in India. Notably, the competition in the space is projected to further increase over the next three to four years, as the demand for credit cards is growing among consumers in Tier II and III cities. Furthermore, the fact that India is the second largest consumer market in the world after China, more players are expected to enter the credit card industry from the short to medium-term perspective.

To tap into the growing consumer demand for credit access, Samsung, one of the leading consumer electronics brands in the country, announced its foray into the Indian finance sector with the launch of a co-branded credit card. For instance,

In September 2022, Samsung announced that the firm had entered into a strategic partnership with Axis Bank to launch a co-branded credit card, Samsung Axis Bank Credit Card. This credit card is powered by Visa. Among the notable features of the credit card includes the 10% cashback on purchases related to Samsung products, including smartphones and other consumer electronics products.

The firm has launched the Samsung Axis Bank co-branded credit card in two different versions. The Visa Signature cardholders can avail of INR 10,000 cashback annually, whereas the Visa Infinite cardholders can avail of INR 20,000 in yearly discounts on Samsung products. Notably, the annual fee for the Signature card is INR 500, whereas, for the Infinite card, it stands at INR 5,000, excluding taxes.

Notably, Axis Bank is the fourth largest credit card issuer in India. According to the Reserve Bank of India, Axis Bank has approximately 89,00,000 credit cards in circulation as of August 2022. The top three credit card issuers in the country include HDFC Bank, ICICI Bank, and State Bank of India.

The launch of the co-branded credit card is strategic from two different points of view. First, credit card adoption is growing in India. In August 2022, credit card transactions reported an increase of 28% year on year to reach 24.5 crores. On the other hand, transaction value surged 44.5% to reach INR 1.12 trillion. With credit card popularity growing among consumers, especially in Tier II and III cities, the launch of credit cards in the Indian market can help Samsung to gain a foothold in the growing consumer finance market.

Second, the launch happens just in time to capitalize on the Indian festival shopping season. This is the period when major e-commerce platforms launch their sale to drive sales volume. Notably, millions of new smartphones are sold across the country in these sales. Samsung, being the second largest smartphone vendor in India, the launch of co-branded credit cards will offer consumers attractive deals on their smartphone purchases. Consequently, gaining more traction and adoption in the country.

Along with cashback on Samsung-related purchases, consumers will receive other benefits such as rewards for credit card spending, and access to deals from local firms, including players such as Zomato, Myntra, Urban Company, and BigBasket, among others. While Samsung is entering a crowded segment, the opportunity for growth is huge in the Indian credit card market.

In September 2022, the Reserve Bank of India also expanded the Unified Payments Interface (UPI) to link with credit cards. While initially only the RuPay credit cards can be used for UPI payments, the central bank is expected to launch the service for other credit cards, including Visa and Mastercard over the next few quarters. The launch of this service is expected to further boost the credit card penetration rate in the country over the next three to four years. Consequently, the entry of Samsung into the consumer finance space through the launch of co-branded credit card is a clear indication that the firm is looking to capitalize on the high growth opportunity in the credit card space, while also boosting the sales of its smartphones by offering lucrative discounts and cashback deals in India.

To know more and gain a deeper understanding of the prepaid card market in India, click here.

[newsaza]

Amazon Great Indian Festival Happiness Upgrade Days: Dussehra Delights Deals on Smartphones, TVs

Amazon Great Indian Festival Happiness Upgrade Days: Dussehra Delights Deals on Smartphones, TVs

Amazon Great Indian Festival 2022 sale is currently live in the country with new Dussehra Delights deals. The festive season sale is offering huge discounts on a variety of smartphones and TVs. Amazon has also partnered with multiple financial institutions to offer an instant discount of up to Rs. 6,000 on purchases made using Citibank, One Card, RBL Bank, and RuPay cards. Besides this, the…

[znewstech]

Amazon Great Indian Festival 2022: Dussehra Delights Deals on Smartphones, TVs

Amazon Great Indian Festival 2022: Dussehra Delights Deals on Smartphones, TVs

Amazon Great Indian Festival 2022 sale is currently live in the country with new Dussehra Delights deals. The festive season sale is offering huge discounts on a variety of smartphones and TVs. Amazon has also partnered with multiple financial institutions to offer an instant discount of up to Rs. 6,000 on purchases made using Citibank, One Card, RBL Bank, and RuPay cards. Besides this, the…